The XRP withdrawal tag—also known as a Memo or Destination Tag—is a unique identifier used to ensure your XRP tokens are correctly routed to the intended recipient, especially when sending or receiving through shared wallet addresses. Without this critical piece of information, or if it's entered incorrectly, your transaction may fail, or worse—your funds could be locked indefinitely. In this guide, we’ll walk you through everything you need to know about the XRP withdrawal tag, including how to write it correctly and where to find it during deposit.
What Is an XRP Withdrawal Tag?
An XRP withdrawal tag (or destination tag) is a numeric code assigned by exchanges or wallets to distinguish between individual users sharing the same deposit address. Unlike many other cryptocurrencies that use unique addresses per user, platforms often use a single XRP receiving address for multiple users to streamline operations. To avoid confusion and misdirected funds, each user is assigned a unique tag.
For example:
- Shared Deposit Address:
rPEPPER7kfTD9w2To4CQk6UCfuHM9c6GDY - Your Unique Tag:
123456789
Both pieces of information must be provided when sending or receiving XRP.
👉 Learn how to securely manage XRP transfers with proper tagging procedures.
Why Is the XRP Tag Important?
Because XRP transactions rely on destination tags to route funds accurately, omitting or mistyping the tag can lead to serious consequences:
- Funds not credited to your account
- Delayed processing requiring manual intervention
- Potential loss if support cannot recover the transaction
Most centralized exchanges—including OKX, Binance, and Kraken—require a destination tag when depositing or withdrawing XRP. Personal wallets like XUMM or Ledger Live may not require one if they assign unique addresses per user, but always verify the recipient’s requirements before initiating a transfer.
How to Write an XRP Withdrawal Tag Correctly
The format of an XRP withdrawal tag is simple:
- It consists only of numbers
- Typically ranges from 6 to 12 digits
- Must match exactly what the receiving platform provides
Best Practices:
- Always copy and paste the tag—never type it manually.
- Double-check both the XRP address and the tag before confirming the transaction.
- If sending for the first time, conduct a small test transaction (e.g., 1 XRP) to confirm everything works before transferring larger amounts.
⚠️ Warning: Sending XRP without a required tag—or using the wrong one—means your funds may not arrive. Recovery often depends on customer support, which can take days or weeks.
Where to Find Your XRP Deposit Address and Tag
When depositing XRP into an exchange or wallet that uses shared addresses, you'll need two things:
- The deposit address
- The destination tag (memo)
Here’s how to locate them on most major platforms:
Step-by-Step: Finding Your XRP Deposit Info
- Log in to your exchange account (e.g., OKX).
- Navigate to Wallet > Deposit > Select XRP.
- Choose the XRP network (ensure it's not RippleNet or another variation unless specified).
The system will display:
- A long alphanumeric XRP deposit address
- A numeric-only Tag/Memo field
- Use both fields when withdrawing from another platform.
👉 Access your secure XRP deposit details instantly on a trusted platform.
Some systems will prompt you with a notice like:
“Please include the memo/tag when depositing XRP. Transactions without it may not be credited.”
Click “I understand” or similar to reveal the full information.
Common Mistakes & How to Avoid Them
Even experienced users make errors when handling XRP tags. Here are the most frequent issues:
| Issue | Consequence | Prevention |
|---|---|---|
| Forgetting the tag | Funds not credited | Always check if tag is required |
| Typing instead of pasting | Typos in long numbers | Copy-paste both address and tag |
| Using old tags | Outdated info | Refresh deposit page each time |
| Sending to wrong network | Irreversible loss | Confirm it's XRP (not XRPL sidechain, etc.) |
💡 Pro Tip: Bookmark your deposit page or save the address-tag pair securely in a password manager for future use.
Can You Send XRP Without a Tag?
Yes—but only under specific conditions:
- The receiving wallet uses unique addresses for each user (like personal non-custodial wallets)
- The platform explicitly states that no tag is needed
However, if you're sending to an exchange, trading platform, or any custodial service, a destination tag is almost always mandatory.
Never assume a tag isn’t needed—always check the receiving platform’s instructions.
What Happens If You Use the Wrong Tag?
If you send XRP with an incorrect or missing destination tag:
- The transaction will likely go through on the blockchain
- However, the receiving exchange may not credit your account automatically
You’ll need to contact customer support and provide:
- Transaction ID (TxID)
- Sending address
- Amount sent
- Timestamp
- Correct tag (if applicable)
Recovery is possible but not guaranteed and can take several business days.
Frequently Asked Questions (FAQ)
Q: Is the XRP withdrawal tag the same as a memo?
Yes. The terms withdrawal tag, destination tag, memo, and payment ID are often used interchangeably in the context of XRP. They all refer to the same numeric identifier required by certain platforms.
Q: Do all wallets require an XRP tag?
No. Non-custodial wallets like XUMM Wallet or hardware wallets such as Ledger typically generate unique addresses for each user, eliminating the need for tags. However, exchanges almost always require one.
Q: Can I change my XRP deposit tag?
Usually not. Exchanges assign a fixed tag linked to your account. While some platforms allow generating new pairs, most maintain consistency across deposits.
Q: What does an XRP tag look like?
It’s a string of numbers—commonly 8–10 digits long—such as 987654321 or 10293847.
Q: Is the XRP address different from other crypto addresses?
Yes. XRP addresses begin with an r, followed by a mix of letters and numbers (e.g., rK9LJ...). They follow Ripple’s proprietary format and are incompatible with Ethereum or Bitcoin networks.
Q: How do I know if my transaction failed due to a missing tag?
Check your transaction on a blockchain explorer like XRPL Explorer. If the funds left your wallet but didn’t appear in your exchange account, and you didn’t include a tag, that’s likely the cause.
Final Tips for Safe XRP Transfers
- Always verify requirements before sending.
- Use copy-paste, not manual input.
- Test with small amounts first.
- Keep records of all transactions.
- Only use official platforms for deposits and withdrawals.
👉 Ensure error-free XRP transfers by using a leading digital asset platform with built-in safeguards.
By understanding how the XRP withdrawal tag works and treating it with the same care as your wallet address, you can prevent costly mistakes and enjoy seamless cross-platform transactions.
Whether you're new to crypto or managing large portfolios, mastering these fundamentals protects your digital assets and builds confidence in every transaction.